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UNITED BANK OF INDIA vs ORIENTAL BANK - Comparison Results

ORIENTAL BANK 
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Oriental Bank of Commerce (OBC) had historically enjoyed the repute of being one of the most efficient public sector banks in the country. However the merger with GTB in FY05 took a toll on the bank's asset quality and margins. As against most of its... More

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Current Valuations

    UNITED BANK OF INDIA ORIENTAL BANK UNITED BANK OF INDIA/
ORIENTAL BANK
 
P/E (TTM) x 0.7 2.0 36.3% View Chart
P/BV x 0.0 0.1 40.7% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   ORIENTAL BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
ORIENTAL BANK
Mar-19
UNITED BANK OF INDIA/
ORIENTAL BANK
5-Yr Chart
Click to enlarge
High Rs15116 12.7%   
Low Rs958 15.7%   
Income per share (Unadj.) Rs11.5130.4 8.8%  
Earnings per share (Unadj.) Rs-3.1-42.5 7.3%  
Cash flow per share (Unadj.) Rs-10.3-91.0 11.3%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs15.5137.9 11.2%  
Shares outstanding (eoy) m7,427.921,370.21 542.1%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.00.7 155.0%   
Avg P/E ratio x-3.8-2.1 186.5%  
Avg P/CF ratio x2.47.6 31.7%  
Avg Price/Bookvalue ratio x0.80.6 122.0%  
Dividend payout %00-   
Avg Mkt Cap Rs m88,764119,551 74.2%   
No. of employees `00014.321.7 65.8%   
Total wages & salary Rs m19,54523,976 81.5%   
Avg. income/employee Rs Th5,987.68,223.0 72.8%   
Avg. wages/employee Rs Th1,367.21,103.4 123.9%   
Avg. net profit/employee Rs Th-1,620.0-2,677.0 60.5%   
INCOME DATA
Interest income Rs m85,599178,677 47.9%  
Other income Rs m23,84626,691 89.3%   
Interest expense Rs m65,853123,696 53.2%   
Net interest income Rs m19,74654,981 35.9%  
Operating expense Rs m29,47644,134 66.8%   
Gross profit Rs m-9,73010,847 -89.7%  
Gross profit margin %-11.46.1 -187.2%  
Provisions/contingencies Rs m59,92573,845 81.1%   
Profit before tax Rs m-45,809-36,308 126.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0-58,717 0.0%   
Tax Rs m-22,650-36,858 61.5%   
Profit after tax Rs m-23,159-58,168 39.8%  
Net profit margin %-27.1-32.6 83.1%  
BALANCE SHEET DATA
Advances Rs m669,5511,592,848 42.0%   
Deposits Rs m1,349,8332,326,454 58.0%  
Credit/Deposit ratio x49.668.5 72.4%  
Yield on advances %7.67.6 99.6%   
Cost of deposits %4.75.0 94.4%   
Net Interest Margin %1.42.2 66.6%  
Net fixed assets Rs m12,40125,893 47.9%   
Share capital Rs m74,27913,702 542.1%   
Free reserves Rs m40,710175,310 23.2%   
Net worth Rs m114,989189,012 60.8%   
Borrowings Rs m22,037141,194 15.6%   
Investments Rs m609,760792,678 76.9%   
Total assets Rs m1,515,2992,719,096 55.7%  
Debt/equity ratio x11.913.1 91.4%   
Return on assets %-1.5-2.1 71.4%  
Return on equity %-20.1-30.8 65.4%  
Capital adequacy ratio %13.012.7 102.1%  
Net NPAs %8.75.9 146.2%  
CASH FLOW
From Operations Rs m-150,737-29,515 510.7%  
From Investments Rs m-732-2,226 32.9%  
From Financial Activity Rs m45,76159,688 76.7%  
Net Cashflow Rs m-105,70827,947 -378.3%  

Share Holding

Indian Promoters % 88.0 59.1 148.9%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 24.0 21.7%  
FIIs % 0.3 9.9 3.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 7.0 92.9%  
Shareholders   78,272 114,330 68.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   ALLAHABAD BANK  ANDHRA BANK  INDUSIND BANK  KARNATAKA BANK  INDIAN OVERSEAS BANK  

Compare UNITED BANK OF INDIA With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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ORIENTAL BANK Announces Quarterly Results (3QFY20); Net Profit Up 39.1% (Quarterly Result Update)

Jan 24, 2020 | Updated on Jan 24, 2020

For the quarter ended December 2019, ORIENTAL BANK has posted a net profit of Rs 2 bn (up 39.1% YoY). Sales on the other hand came in at Rs 47 bn (up 2.1% YoY). Read on for a complete analysis of ORIENTAL BANK's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (2QFY20); Net Profit Up 114.0% (Quarterly Result Update)

Nov 5, 2019 | Updated on Nov 5, 2019

For the quarter ended September 2019, UNITED BANK OF INDIA has posted a net profit of Rs 1 bn (up 114.0% YoY). Sales on the other hand came in at Rs 24 bn (up 14.9% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

ORIENTAL BANK Announces Quarterly Results (2QFY20); Net Profit Up 23.7% (Quarterly Result Update)

Oct 25, 2019 | Updated on Oct 25, 2019

For the quarter ended September 2019, ORIENTAL BANK has posted a net profit of Rs 1 bn (up 23.7% YoY). Sales on the other hand came in at Rs 49 bn (up 13.7% YoY). Read on for a complete analysis of ORIENTAL BANK's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (1QFY20); Net Profit Up 127.0% (Quarterly Result Update)

Aug 1, 2019 | Updated on Aug 1, 2019

For the quarter ended June 2019, UNITED BANK OF INDIA has posted a net profit of Rs 1 bn (up 127.0% YoY). Sales on the other hand came in at Rs 24 bn (up 10.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

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Mar 20, 2020 (Close)

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